Find a Custom Mortgage Solution Now!

We are one of the few mortgage lenders Nationwide closing loans for clients with credit scores as low as 500

Welcome to Top Flite Financial, Inc.

“Providing Customized Mortgage Solutions for Clients Nationwide”

We are dedicated to providing our clients customized financial products, providing loans that Banks and Credit Unions often turn down. We are known for having minimal overlays, proudly providing the most relaxed credit guidelines in the country.

Customer Satisfaction

Top Flite Financial has been a trusted nationwide lender for over 15 years, bringing to our customers years of expertise built on integrity, ethics, excellence and dedication. Our business runs from 9:00 am to 7:00 pm, but our Loan Officers see to it that they answer all your questions, even after hours.

At Top Flite Financial, we make a stressful process easy. Even at times when our own clients believed closing on a mortgage was not possible – we were able to get them to the closing table. But don’t take it from us, see below …….

I am writing a review for Lindsay Mortara who helped me investigate loans for a refinance. Lindsay was amazing and worked hard to find a good option for me! She was professional, prompt and educated on mortgage loan process. I highly recommend her if you are looking for a home or a refinance!!!

5 STARS
I worked with Monika Datzeva, she was very helpful with achieving my goal in refinancing my home. Monika is most personal and caring women and I enjoyed working with her, she made a stressful situation a smooth transition. Thank You

I recommnend the serices of TFF. The entire process ran smoothly. My broker was Amie Jones, who was very helpful and reassuring during the entire process. The underwriters were also very easy to work with. Everything ran smoothly.

I have been 100% satisfied with the process of Top Flite Financial. Easy to work with and answered any and all questions I had. I dealt with Peter Labath and the whole team was just super great. I would recommend them to anyone.

They could not get my loan done and know they won’t release it to a company that will get my loan done. Very bad business. Talked with multiple people to have them release my FHA loan and still fighting with them to get it done by the other company. Please stay clear.

Jason Orrirk was amazing working with us on getting our home refinance in Deleon Springs Floirda. I would highly recommend Jason. He is very professional and answer all our questions. thank you again Claude and Michele Micki Laney

"If you are not making someone's life better then you are wasting your time."
We had contacted a few lenders but to our surprise not one would return our call. We even had a contact from Top Flight that did not return our call. When we reached out a second time and told Chris Piatchek this he picked up the ball and ran with it. Our loan was complicated and our credit was not the best but Chris walked us step by step through everything. He got us the loan we requested and at a fair rate. He explained each step and kept us in the loop the entire time. We are now able to pay off several high interest credit cards and upgrade our 39 year old home. Our life will be better now with the money we saved and the home improve we will make. Thanks Chris for making our lives better.

Josh was amazing all the way to closing I felt as if I had someone in my corner who was going to ensure that I didn’t have to worry and he is someone who you can trust that has your best interest at heart. Josh is professional and shows that he is there for you until closing and even after closing if you have any questions or concerns

I am very thankful for Gerald (Gerry) Stros at Top Flite Financial for his professional, responsive and honest assistance with the whole mortgage process from beginning to end. I have the utmost confidence recommending Top Flite Mortgage to anyone!

I am incredibly grateful to have connected on-line with Jerry Stros of Top Flite Financial. He is very reliable, available and above all else extremely patient and mild mannered. I will not hesitate to call him when it is time to refinance. He and his team were top notch and I highly recommend their services.

Top Flite Financial can improve by being honest and up front with their customer. From start to finish I have not be able to rely on anything I was told and promised. I was told my house would appraise at a specific amount and it did not. I was told that I would close within a specific time frame and that did not happen. I was told I would get approximate $32,000 cash out at closing. That figure changed to $13,000 and then to $1,000. In actuality, I received $372.85 at closing.
I told to provide Top Flite Financial with the physical addresses of each of the creditors they would be paying off and they would in turn mail the checks to each of my creditors. I was told no to pay any of my creditors because Top Flite Financial would be paying the debt in full. Needless-to-say, I received late notices from each of my creditors saying that my monthly install had not been received. I later received checks from the company who had been hired by Top Flite Financials to close my loan stating I was to mail the checks to each of my creditors to pay my accounts in full. This is the opposite of what Top Flite Financial load officer told me would happen.
This has been a nightmare for my wife and I. I would not recommend Top Flite Financial to my worst enemy. I told the loan officer that I would not give Top Flite Financial a positive review and that I would not recommend his company to anyone I know.
Eli from Freeport, Florida.

there were many obstacles and hoops to jump through for my loan. I thought it was going to be like the proverbial "nightmare mortgage process" Boy was I wrong! every issue that came up, Pete was cool as a cucumber and worked through the issues quickly.... With Pete on my side, the mortagae process was easy-peasy!

Joe Daniel with Top Flite Financial was a pleasure to work with. He was very dependable, knowledgeable, and responsive. I was able to reach him at night and over the weekend. He put me in a much better financial position. I highly recommend Joe and Top Flite Financial to anyone looking for a mortgage.

Gerald Stros was so caring and extremely helpful through the entire refinance process. He would respond in a timely manner and had our best interest at heart. I highly recommend him and this company! Thank you Gerry! You Rock!

I thought I would take a moment to tell those of you who are looking for financing, about our experience with Top Flite Financial. They were very professional and helpful in every way necessary to get us through the complicated paperwork maze financing requires today. Devon, our sales agent did everything we needed to guide us to understand all the aspects of a home equity loan, until we felt confident about what we were doing. I would highly recommend Top Flite to anyone looking to refinance.

I was put in contact with Daniel Stull to discuss options for refinancing. He was able to help me understand my financing options and my future potential. I appreciated his directness in asking me to wait a bit rather than pushing me into something I wasn't ready to do. He put a plan in place to help me when it was a better time to refinance. I will be contacting him again in 3 months to complete my financing. I would recommend his services to anyone.

We recently closed on a refinance with Kevin Engel at TopFlite Financial. Kevin did an awesome job getting us into a VA product after we were told by other lenders that we could not. Great job Kevin and TopFlite!

Warren Hutter of Top Flight Financial was wonderful to work with on our recent loan. He is very professional, knowledgeable and responsive. Warren's personality and sense of humor immediately made us feel comfortable working with him. He was very thorough about our loan choices explaining our options but not pressuring us. If we called with questions and had to leave voice mail he would always return our call, even after business hours. We will return to Warren for any future loan needs and are now referring all our friends and family to him. Warren is just exceptional and Top Flight Financial is lucky to have him as part of their team.

Amie Jones and the whole Top Flite Financial team will go to the moon and back for you. Great experience working with them. They will take a call with you day or night to get you the information you need. They went to bat for us consistently and were able to get us our refinancing. Thanks again Amie. 10/10.

I recently worked with Samuel Brazzil to refinance my home. He made the pros Ess. almost painless and explained everything so I could understand what was happening. We had a few glitches but he worked to clear them up and keep things on schedule. This is the second time I have worked with Top Flite and will,do so again if the need arises. Their brokers are well trained and very knowledgeable.

My lender, Lawrence Kavanagh. got me cash-out and debt consolidation, when a major competitor (Quicken) wouldn't even look at me. Luckily I finally found my lender's number at Top Flite, from when I contacted him last year, and he got it done. I would highly recommend my lender, Lawrence Kavanagh, and Top Flite, to anyone.

Joshua Behlmann was amazing!!! He walked us through our home's refinancing process, quickly informed me on what was needed and submitted everything right away. My contractor was even surprised the process was as smooth as it was. Josh also gave me outstanding advise to make sure that our home was properly appraised!!! I could not have asked for better service.

Lindsay Mortara is the most phenomenal, kind and compassionate professional I have ever had the pleasure to work with. My loan process was very challenging from the start, due to the my former lender which resulted in 7 months of diligence and patience on Lindsay's part. Lindsay was the most responsive and caring professional in every sense of the word, she literally worked around the clock, returning all my emails, calls immediately no matter what time or day of the week. Most Loan Officers would have given up having to deal with the amount of road blocks and obstacles we experienced.
Lindsay's optimistic and positive demeanor as well as her resolve to NOT give up, resulted in my loan closing and me being able to keep my home. I want to thank Lindsay from the bottom on my heart. SHE is the reason I can rest easy knowing my peace and security is safe
Top Flite is very fortunate to have such a consummate professional representing them. You can bet I will be highly recommending and referring Lindsay in the future. She is truly a Rock Star !!!!!!

I am completely satisfied with the business process and also my interaction with Kyle Gally. Mr. Gally went above and beyond in explaining the whole process to me, staying in close communication at all times, answering my questions and being very calm and supportive. I am a Nervous Nelly in matters like this and it causes me extreme anxiety. Mr. Gally made what would normally be a situation I couldn't deal at all with into a situation I felt well informed, reassured and treated with utmost respect in regards to my situation. Each step was presented in a clear way with methodical steps for me to take to gather documenation and go through the process.
Every step has been thoroughly explained,
Time frames were clear, and everything flowed smoothly.
I would recommend Kyle Gally and Top Flite with out reservation.

The first agent I spoke with at Top Flite made me dislike this company a lot due to a very condescending way I was treated. It was so bad that I started the refinance for my home with a different company. That company failed to respond to communications 1/4 of the way into the process. Just at that point, Lindsay Mortara with Top Flite reached out to me to follow up to see if there was something more they could do to secure my business for the refinance on my house. She listened to what I said about the first loan officer and addressed that. She then went on to explain what Top Flite could do for me and that she would not drop the ball like the company had that I was working with until a week before I spoke with her. Working with Lindsay at Top Flite could not have been a better experience. Her communication with me throughout the entire process was great via calls, email, and texts. She made this process go as smoothly as it could,even when a couple of bumps popped up in the road. I am thrilled with the outcome (mortgage closed today) and if I am ever in need of a mortgage or mortgage refinance again, I will reach out to Top Flite due to my experience with Lindsay.

Working with Lindsay Mortara at Top Flite, was an amazing experience. She explained everything, was very patient with my questions, which I know I repeated, and seemed to be available 24 - 7! She contacted me almost daily with updates, and was a complete pleasure to work with. It was actually the easiest and smoothest refinance we have ever done. Will absolutely use them again!

Top Flite walked my wife and I through the refi process and it was so easy. Vanessa Adele was our loan contact during our process. She provided the greatest service and was always there for our questions. Vanessa provided outstanding customer service as well as her team. Top Flite you have a great person and team working for you and for the customers.

Joshua Behlmann helped my husband and me refinance our home. He was patient in guiding me through each step of the process. I’m not great with doing things online, but he literally took me through it step by step. Joshua was always accessible by phone, rarely did I have to leave a voicemail. He returned emails the same day, and worked hard at getting us the lowest rate possible. I would definitely use him again in the future and I recommend him highly!

Best loan company ever!!! Would recommend them to everyone!! Kyle Gally was my loan officer. He went above and beyond for us to get this done. Always available via text or email if we had any questions or concerns. Was very up front in what was going on at all times.... Made our refinance happen even with not so great credit and a ton of debt.. Best loan experience ever.

Hello everyone contact us today for the best available business, car, house, agricultural and any other for of loan offer at 3% annual rate and no hidden charges, If interested email now at FEDERALOAN@GMAIL. COM or whatsapp at + 1 8 4 5 7 3 1 5 7 1 6

Josh was excellent to work with. Very knowledgeful and thorough. His follow through was impeccable and his approach to the whole business of selling a loan was the real reason I chose TOP FLITE. He wasn't trying to sell me a loan , he was trying to assist me in achieving my goal . I spoke to a few different organizations and it was very nice to be able to work with someone who understands this is about the customer. Communication, knowledge follow through understanding equals Great customer service
Thank you.

Lindsay Mortara did a great job for us in a complicated re-fi process. We are both self-employed, near retirement age and not your typical customers. She was attentive, timely, informative and positive. We also were able to complete the loan. Thank you Lindsay!

Working with Top Flite and Lindsay was great, Lindsay was very informative and helpful every step of the way, she answered all of our questions and helped with all of our concerns. I loved that I was able to communicate Via text, makes things so much easier! In fact that is one of the reasons I choose to use Top Flite and so thankful I did, Thank you Lindsay for all your time and and hard work! You are the best!

I have to brag on Kelsey Adams- I went in not knowing what to expect and I was nervous! She was so knowledgeable and explained everything in detail and helped me feel comfortable moving forward!!! Grateful to be working with her!

My loan officer Kelsey Adams helped me recently with my refinance and I could not have asked for a better experience! She was efficient in communicating where my loan was at throughout the underwriting process and ultimately got me the exact loan I needed that fit my goals. I highly recommend her to anyone looking to refinance or purchase a new home!

I recommend Kelsey Adams to anyone looking to refinance their home to take cash out. She is super professional and excellent with communicating where your loan is at each step of the way. She genuinely has your best interest in mind and wants the best for anyone she helps.

Nick Wilson and his team were a delight to work with! We started the process at the end of May and we closed on the last day of June! The refi was fast and the entire team was efficient and responded quickly to my questions. When we first contact them, we were unsure which way to go (with a 2nd mortgage or refi), and they showed us all the math and options before we proceeded with anything. I will definitely recommend them to friends and family and will contact them again should we need anything in the future.

**I am posting this on behalf of my mother**
It was a great pleasure to work with Mr. Lawrence Kavanagh at Top Flite. I was very impressed with Lawrence's professionalism. He was very dependable, had a lot of knowledge about the refinancing process, and treated me with utmost respect. Since my property is in a Revocable Trust, it could have been a very stressful experience, but Lawrence made the entire process very easy. I was very impressed. I wanted to pay off a large amount of debt, and he made it possible. It's been a pleasure working with Lawrence and I appreciate everything he has done for me, by making the IMPOSSIBLE POSSIBLE. I would highly recommend Lawrence and Top Flite for help with your mortgage needs. Thank you, Lawrence! I wish you much success in your career.

I have been so incredibly please with Lindsay, she has made everything so easy and has made me feel so comfortable through what can feel like a very confusing process. She really goes out of her way to make sure you understand all aspects of what of the refinancing process, and answers all questions promptly. I would recommend using Top Flite and Lindsay to anyone looking for a loan.

Our financial advisor Kyle and his team were amazing to work with on refinancing my home using a VA Loan. Top Flite made the process and paperwork seamless with their attention to detail and the open lines of communication. Thank you so much for all your hard work and dedication! I would highly recommend this team to all of my military friends and families.

Just closed on a refinance with Anthony Valentini. From the start he was informative & helpful! Always responded to emails & phone calls in a prompt & timely matter! When no one else was interested in helping, he never gave up & saw it through till the end! Extremely grateful for the fresh start... Will definitely be recommending to friends & family!! He's the best!

I worked with Monika Datzeva , I would highly recommend her to all my friends , she is the best! she answered all my Questions & of course explained everything.She was great to work with & very helpful , very professional. I wish i could give 13 stars! TOP FLIGHT FINANCIAL #1

It was my first time buying a house and I honestly had no idea what to expect and what to do. Gerald (Jerry) Stros was my loan officer and he was so awesome at making me feel comfortable and explaining a lot of things to me.
He followed up with me consistently and took my calls even when it was 8 or 9pm at night. I really loved his guidance through the entire process and I'm thankful on how patient he was with me because I probably asked a ton of ridiculous questions.
The Top Flite team took care of conversing with my insurance, the escrow team, etc. Really enjoyed the customer service / responsiveness and Jerry's kindness!

I highly recommend Top Flite Financial, and in particular Devon Feager, to anyone looking to refinance. The process was efficient and seamless. Communications were open and transparent. Furthermore, staff, and in particular Devon Feager, was knowledgeable, resourceful, informative, courteous, and exceedingly professional. If I ever had to go through this process again, I would absolutely call Top Flite.

I could not have asked for a better experience, Monika at top flite made buying our first home a breeze! Her and her team couldn’t have been better. I always heard that home buying was stressful but she proved that wrong I would recommend her to anyone!!

Overall great experience working with William Jones at Top Flight Financial on my investment property purchase. He was very clear and concise when answering all my questions and we had no issues with closing the loan on time. Will be recommending his services to family and friends.

I would heartily recommend Top Flite Financial to anyone. The level of professionalism, knowledge and helpfulness is exceptional. I particularly want to single out Monika Datzeva for praise.
It was my good fortune to have Monika Datzeva as my account executive. Monika was professional, friendly and helpful. She answered every question I asked and was careful to make sure I understood every step of the process. She was accessible whenever I called and willingly offered advice when I asked. Her confidence, positive attitude and good humor were reassuring, leaving me with the firm belief that any delays were only temporary and the expected outcome would be right around the corner.
And just to repeat, I feel very lucky to have had her in my corner.

We are extremely pleased with the service, professionalism, and excellent communication received from our Top Flite financial officer Lindsay Mortara in executing our cash-out refi. Lindsay's attention to detail in listening to our needs enable her to offer and suggest various options in order for us to determine the best loan options and brought peace of mind during the entire process. We highly recommend Lindsay and the Top Flite team.

After working with Lending Tree and advised that I did not qualify for a conventional loan, I was told I would only qualify for an FHA refinance. Needless to say, I ended up working with Top Flite Financial, Inc., with Lindsay Mortara as my Mortgage Loan Originator, she got me the conventional loan that I requested. I would say the total close time from my first conversation with Lindsay was about two months. She managed to have the appraiser fee included into the closing fee which normally does not happen, she did great! I was impressed by how comfortable she was to work with, very professional with a good sense of humor and always quick to get back with me, even after hours. I would highly recommend Lindsay should you need any help with your Mortgage needs!

This was only the 2nd time in my life of purchasing a home in my almost 40 years. Top Flite Financial does business the way it should be done. Very professional and as painless as possible. I know buying a house is a process and they made me feel important and I never had a doubt the entire ride. I want to personally thank Monika Datzeva for her hard dedicated work. I could not have gotten a more honest and genuine person to work with. Not one time did I ever feel overwhelmed or let down. She is the greatest and kindest person I have ever worked with. I wouldn't want anyone else to handle my account on such an important financial decision. So Monika I want to say again, Thank You so much!! I would also like to personally thank Todd as well. As you said from the start. Go find your dream home and I did. I give stars across the board to you guys.

I wish I could give 10 stars!! These guys are truly the best. Senior Finance manager Christopher P helped us. We didn't know what to expect since these days loans are not handed out like before. There were a lot of hoops we went through, but Christopher helped us the entire way. Communication was the best, each step of the way, the work needed and completed, he explained thoroughly. Our situation for our purchase wasn't an easy one. But Christopher worked through it all and successfully!
I highly recommend Christopher and his team to help you with your dream home purchase.

To whom this may concern At Top Flight Financial,
Lots of small things add up to great beginning I want to say working with Lindsay Mortara was the highlight of this whole Re-finance opportunity. She made this whole experience a business joy from the beginning. She was very patience when I was not. She made me feel like we had this thing finish everyday which was the blessing in this Re-finance opportunity. Lindsay was professional and a kind person the two thing you need to be in this business. Top Flight great job and this go without saying Lindsay you are the best.
Dezell Johnson

Working with Richard Staff at Top Flite Financial has been a very positive experience for us. He was very thorough in his approach,detail and got everything accomplished in the timely manner. Thanks again

Working with Kyle Gally on our loan was a pleasure. Kyle's attentiveness to our particular financial situation was critical to our eventually being able to secure a refinance. We tried to work with several other financial institutions in our attempt to refinance and ran into difficulties in each case which did not allow for the loan to be completed. Kyle's knowledge, friendly personal manner and persistence to address any issue that came made all the difference. I highly recommend Kyle and Top Flite Financial.

Kevin Engel was consistently outstanding. He started working with me about six months ago, and never gave up on my loan. He was easy to contact, always called me when he said he would and did all the hard work up front to tell me exactly where I would be at the end of my loan.
I would absolutely refer him to my family and friends.
Thank you Kevin!
Maria Mendoza

Had a challenging loan that required a lot of diligence on the part of my loan officer, Richard Staat, worked very hard gathering my documents, working with my employer, and keeping me informed. I was so impressed by how much he wanted to serve my needs.

Monika at Top Flite is simply incredible! I was a first time home buyer and had no idea what to expect. She answered all of my questions professionally and patiently. Monika is very pleasant and knowledgeable. She is passionate about helping others fulfill their dreams and I am so happy I trusted her with a huge life decision. Ask for Monika at Top Flite, you will be in the best hands!

I had a great experience working with top Flite Financial but especially with Lindsay Mortara. She is absolutely GREAT. She took the time to hear what we wanted to do. We had to do a couple of changes but Lindsay was patient and always explained everything with detail. Lindsay made going through the entire process smooth and easy. I definitely recommend Top Flite and Lindsay Mortara to help you with your next loan. I know I am definitely pleased 🙂

I want to extend a HUGE THANK YOU to Devon Feagor @Top Flite Financial for making my Refinance go as smoothly as possible. As we all know the process can be very stressful, but Devon was very professional, detail oriented and had great communicating skills. He was there for us from the beginning to the end. I highly recommend Devon Feagor at Top Flite Financial to handle your next Refinance

We worked with Chris Piatchek at Top Flite St. Louis. Chris took the time to hear out our needs and crafted a loan specific to what we were looking for. Chris was upfront with any and all costs, and worked tirelessly to facilitate our home purchase as quickly and as smoothly as possible. Top Flite was able to pin the rate I desired right on the nose at a time when rates are starting to drift upwards. I changed my mind a few times on what type of loan I was pursuing and Chris took the time to explain each one and the pros and cons. I feel we definitely landed on the perfect model for us.

Great experience! Manager Bill Jones made the entire loan refinance process easy. He responded quickly whenever we had any questions. Bill did an amazing job explaining everything. He assured us every step of the way and gave us a timeframe and always let us know up to the minute what was happening. Top Flight Financial is a great company and I would recommend it to anyone.

Vanessa was awesome. I was feeling discouraged due to my credit condition and the prospect of being able to refinance my home to make some improvements. Vanessa was positive from the beginning that she could help me and she did. I am forever grateful to her. She is even offering to continue working with me to improve my financial condition.

We throughly enjoyed working with Warren Hutter from Top Flight! His friendly and professional manner made going through this refinance process for our home so much easier. He truly went above and beyond to make sure we understood the process every step of the way. He's the best there is!

My children and I were in need of a fresh start, and lucky for us, Kyle Gally of the Top Flite Financial contacted us. We were a difficult case, but Kyle stuck with us, and made it happen!The best part of it is, he always had a positive outlook and friendly attitude. I felt like I was working with not only a professional, but a good friend. Thank you Kyle!!

Lindsey helped my wife and I and she was so kind To us ! She answered all of our questions thoroughly and most importantly , she made us feel comfortable. I've already recommended her to a number of our friends who are moving to the saint Louis area next year. Lindsey is very knowledgable and it seems like she is really passionate about Her work. Great service !

I really appreciate everything Brendan did for me to refinance my mortgage. Brendan was highly professional, knowledgeable and responsive. He was patient and thorough answering all of my questions. He kept the ball rolling and the process was completed in the time frame promised. There were absolutely no surprises at settlement. An excellent job!

Lindsay couldn't have been any better to work with. She made the whole process easy and less stressful. She was always quick to respond to any questions that me or my wife needed answered. And she was quite knowledgeable. We will certainly work with her again in the future. Top notch service.

Brendan Maloney and the Topflite mortgage team made my loan process a low stress experience. They all were very thorough and detailed, in addition they were quick to respond with any of my questions. I highly recommend allowing them to process any of your lending needs.

We truly enjoyed working with Brendan!! Brendan and the Top Flite team clearly communicated what was needed and supported our needs. He was quick to respond to our questions, even outside of "normal" business hours. We truly felt like Brendan had our best interest at heart during the whole process. Our closing day was quick and painless because Brendan’s on top of his game!!! Thank you Brendan!!!

I can't say enough good things about Jerry Stros, I highly recommend him for your financial needs. I've known him for at least 30 years, meeting in college. You will not meet anyone that has more integrity than him. He is dedicated to his work, loves helping others and beyond great at his job. You will love working with him. 🙂

So thankful for Top Flite Financial. They made the mortgage process so fast and easy. Thank you so much Sam Brazzil for understanding our needs and getting through the process at the time you told us. I would recommend Top Flite to any new home buyer.

If you're looking to finance or refinance your home, or simply have questions about the process, we'd highly recommend Jerry Stros. He is knowledgeable and was able to answer all our questions in a manner that made sense to us. His flexible availability and prompt responses as it relates to communication was greatly appreciated! When someone is as passionate about their profession as Jerry, it surely makes the process a pleasurable experience. Thanks, Jerry!

I want to extend a HUGE THANK YOU to Douglas Muich @Top Flite Financial for making my Refinance go as smoothly as possible. As we all know the process can be very stressful, but Doug was very professional, detail oriented and had great communicating skills. He was there for us from the beginning to the end. I highly recommend Douglas Muich at Top Flite Financial to handle your next Refinance.

I've known Jerry Stros for a long time because he's my dad. Ever since I was a little boy I would listen to my dad talk on the phone, and I would learn the 411 on mortgages. He would explain to me terms like interest-rate, rate-term, and he would tell me what a home appraisal was. My dad jerry is both a wonderful person to work with, and a even better dad. He's been a mortgage officer for nearly 25 years, and he works sun up to sundown 6 days a week. I couldn't be more proud of him and his work ethic.

I️ was in a hurry to get my refinance done on my house. I️ am happy to say Andrew Sheda got my loan complete in 3 weeks so I️ could complete my home improvements. Thank you for keeping me in the loop and being so persistent in getting this done fast.

We looked at a few companies before choosing Top Flight and I am so happy we went with them. Vanessa was such a big help and made the whole refinancing process seem less scary. She was very quick to respond to all my questions and really explained things in a way that the average person would understand.

Nick and his team at Top Flite Financial made this process seamless. We appreciate all the work they put in to finalize our refinancing. We will recommend them to anyone needed a mortgage or refinance.
Bob and Melissa

Todd and the team at Top Flite are great to work with. They know service. As a Realtor I have worked with many lenders in the area and Top Flite never disappoints. They always made me feel like my deals are the most important one they are working on. And they make our clients feel that way too.
The communication was top notch and my calls were always returned. Really they usually called me before I had a chance to call them. Our clients have always closed on time without the last minute rush that I’ve had with some lenders.
I know that I have a great partner in Top Flite and recommend them to my clients. You should too.

I just wanted to thank Andrew Sheda for his time and efforts in helping my boyfriend and I as first time home buyers. He made our process so quick and easy and making the over all experience so fantastic. Without Andrew, buying a house would have been miserable. I have suggested him to all my friends who are in the market for housing because he definitely will not disappoint!

Nick Garcia was wonderful to work with. He answered any and all questions I had thoroughly and honestly. It was a long process, but I'm glad I got it done and I'm very glad Nick was the one to help. Couldn't have been any better.

I’m in the process of looking to refinance my home. I’ve talked to several lenders and Lindsay Mortara has by far exceeded my expectations. She has done an EXCELLENT job of reviewing all of my options and recommending what would be the best choice for me. I can’t wait to work with Lindsay!

Craig Jones was a tremendous help with the loan for my home purchase. He helped me understand what I needed to do and helped me understand things I wasn't familiar with in the process. It was a great experience!

Lindsay was great, and she was attentive to all my questions throughout the refinancing process. She was very knowledgable and always seemed to have the answers I needed. I have a crazy work schedule, and she always seemed to be available, even on nights and weekends, which streamlined the process even more. Would definitely recommend for any lending needs!!

James was there to help me anytime I had a question. He was eager to help with my loan options. He was very friendly and well informed. I would recommend him for anyone looking for a home loan. Approval was quick and easy.

Craig Jones was quick to return my phone call in regards to me wanting to refinance. He was knowledgeable and able to answer all my questions. I would highly recommend Craig Jones to all of my friends.

We refinanced with Richard Staat as our agent. Richard was very courteous, knowledgeable and went the extra effort to ensure our loan was handled professionally. Richard was very responsive to any emails or calls that we had.
Would recommend Topflite to friends and family and particularly to Richard.

I'm a first time home-buyer and had the pleasure to work with Devon and the Top Flite team. The process was seamless and quick and Devon made him self available to answer any questions I had at any time. We closed on time with no surprises! I highly recommend Devon and Top Flite Financial.

they should clone that lindsay gal and have her service every customer in the entire country. she was the most helpful & knowledgeable rep i've ever worked with, and i'm old. made the entire process easy & comfortable. seriously though, she's the best there is. a robot. couldn't have done it without her.

Kevin was the most helpful person I've ever dealt with when it comes to mortgages. He definitely had my best interest at hand. It was great that he gave me his personal cell phone number to call anytime. He said he will do that with everyone, because it's important to be there for his clients. I'm glad I chose to work with him and Top Flight Financial. Thanks to everyone.

We worked with Doug Smith for our refinance and he made the process as easy as possible for us and was extremely helpful in assisting us in every step along the way. We have been able to save a lot of money each month thanks to Doug's work. I would highly recommend Doug and Top Flite Financial, inc!

I'm an attorney and sent a client of mine to Douglas Smith. I know the situation was complicated and time-sensitive. Doug took care of all my client's needs and he came away extremely happy. I would recommend Doug to anyone I know.

I had the pleasure of working with Vanessa Adele, who in my experience, was focused on the needs of the customer and making sure she could help us achieve our goals. Professional, helpful, and engaging…couldn’t recommend a better person to work with!

Not only was it a wonderful experience to work with Top Filte financial but it was an even bigger pleasure to work with Douglas Smith. He was so professional and really understood my husband and I's story. Doug made us feel at ease through this whole process! We couldn't imagine doing this without him. Thanks again Douglas Smith!

What a great experience! My husband I used Doug Smith to refinance our home, and cannot thank him enough. On top of saving money, he was so easy to work with. He worked around our schedule, and was very professional and accessible. Doug took the stress out of the entire situation. He is such a hard worker and is dedicated to making the customer experience stress free. I would highly recommend using Doug Smith and Top Flite Financial.

I am a St. Louis Realtor who is currently working with Lindsay Mortara. She is so easy to get a hold of whenever my buyer has a question or concern. She has gone above and beyond with her service to me and my client!

Tom Dapron with Top Flite was very professional and answered every question I had. He worked hard to ensure all my goals were met and always followed up. I didn’t know much about refinancing, and he consistently went over and beyond to make sure I understood the process. I highly recommend Tom if you’re looking to buy or refinance a home.

When getting refinanced for my home, the process was long and brutal. When I met James Gallagher from Top Flite Financial, he saved my sanity! He insured I was fully informed of each step setting proper expectation for time frame and probability. Everything happened just as he promised and on time! I was amazed. What a relief to work with such a professional. Thanks again James!

Highly recommend Top Flite and Monika Datzeva - she answered all my questions, answered every call and took the time to go the extra step for us. If you are buying a home or refinancing, give her a call. She is the best!

I would highly recommend Kevin and Top Flite Financial for your home loan. Kevin made the process go very smooth. He was available to answer any and all questions that I had during the transaction. Defiantly will be using them for my next refinance or purchase.

Just finished a refinance with Nick Garcia. He was a great gentleman to work with. He was very helpful and supportive. He helped walk me through the process all the way. I will highly recommend him to all my friends and family.

Richard Straat and the people at Top Flite worked for many hours to secure this loan. Despite the many problems confronting us, Rick was able to find the way forward in securing our loan.I hope he receives the credit for the hard work he has done on our behalf.

BEST FINANCE EXPERIENCE EVER - LAWRENCE KAVANGH WAS SO KNOWLEDGEABLE AND HELPFULL THAT I DIDNT EVEN REALIZE WE WERE BUYING A HOUSE - YOU ALWAYS HEAR THOSE HORROR STORIES ABOUT HOME LOANS BUT WITH LAWRENCE IT JUST SEEMED LIKE IT WAS SO EASY AND EVERYTHING CLOSED ON THE DATES PROMISED. WELL DONE BOYS AND THANKS AGAIN WE LOVE OUR NEW HOME

Mr. Lawrence is a highly professional, detailed and knowledgeable lender.
Combined with his task master skills he accomplished what other lenders were unable to do for me. I enjoyed working with him through the weeks we did business together; as he is talented, very aware and a good listener.
I would recommend Mr. Lawrence to others seeking the best in customer service and a job well done.
Blessings to Mr. Lawrence

My wife and I truly enjoyed working with Richard Staat and Top Flite Financial. While our refi process had more twists and turns than one would typically expect during a refi, Richard was patient, supportive, and professional during the process. I highly recommend Richard Staat to help you with your financing needs.

We just finished a refinance with Devon Feager and he was great to work with. It was quite a process that we went through for the FHA refinance, but Devon was so helpful every step of the way. He was really great at contacting me with the status of each step throughout the entire loan application process. Even though our credit score was low, he took the time that other lenders wouldn't and found a way for us to refinance to consolidate debt. Devon's office is not located in the same state as we are, so I never had the pleasure of meeting him in person, but with his excellent communications, I never once felt slighted because of the long distance. I will recommend him to anyone that is looking to finance or refinance a house or property. A+++

My dealings with Kevin at Top Flite Financial regarding refinancing our home were great. Kevin was very helpful and patient through out the entire process of finding the right option for our situation. I would recommend them to everyone looking to refinance their home.

We worked with Chris Piatchek to refinance our home. Chris explained the process to us and made it very clear how the process worked. Refinancing went very smooth! I'd highly recommend Chris. We live in the Northwest and it did not make a difference on how smooth the process went. It was very easy to take care of refinancing of our home. So if you need to get a mortgage I'd highly recommend Chris Piatchek at Top Flite Financial.

Chris Piatchek helped me refinance my house and he was completely on top of everything. I trusted him from the very beginning and he really helped and made everything clear. To make it even easier, I could even just text him each time I had a question. I refinanced during my busy work season, so I appreciated that I was able to just send quick texts when needed. He made it as easy as possible and everything was nice and smooth.... And now I'm saving a bunch of money! Yay! Btw, I live on the other side of the country in CA and it didn't make any difference that Chris was in another state. It was all very easy.

As a first time home buyer I didn't know anything about the loan process. My Loan Officer Todd Feager was always available to answer all one million (plus) questions I had, he kept me updated frequently along the entire way and was very personable. The loan officers at Top Flite are friendly, experienced and extremely knowledgeable. And customer service is top notch. I felt like they actually cared and I wasn't just a "file." I recommend them to everyone!

Lawrence from top flight did such a great job
When I didn't think I could refinance he went out of his way to research
Some extra things and he made it happen! So kind
Very patient with all my concerns.. Lawrence made the refinance
Happen which will make it so I can keep my home have my bills
All paid and enjoy my life so much more. I would recommend
Top Flight and Lawrence to everyone! Great job!! Thank you very much!!

Re: Referral for Warren Hutter
On March 20, 2017, l met Warren Hutter on line. He provided me with the opportunity to open an account with Top Flite Financial Services within the next 24 hours. My situation was dire and complicated by the fact that I was conducting business on a property that was zoned agricultural and had a residence. I had tried repeatedly to get a cash-out refinancing to alleviate the credit card debt that I had accumulated during the construction of the business.
The most encouraging thing about Warren was his candor when we assessed my financial condition. He stated that he would seek an underwriter and provide the underwriter the necessary information to assess the situation before I invested any money. He went to work. He was always available. In or out of the office, before the office opened or after it closed, even on weekends, he was always as close as my cell phone.
Warren guided me as we reconstructed my credit card debt and paid a tax lien from the proceeds of the cash-out refinancing of my mixed use property and thus brought my debt-to-income ratio into acceptable limits. The result was a huge reduction in my monthly cash flow, reduced credit card debt, a paid lien, and an increased credit score.
I have never had such dedicated assistance from a loan officer. He stepped in and made the situation workable where three other lending institutions had simply refused to work with me to use my considerable property equity to reduce high interest debt. Warren helped me realize my goal of having a retirement income on my own property.
Thank you, Warren.

Brian Haley at Top Flite did an AMAZING job! I recently purchased my first home and Brian was patient and understanding. He was also honest through the process and even made sure i didn't have to come out of pocket for anything extra! Well done Brian! And thank you Top Flite for making a complicated process so simple!

Craig Jones was able to facilitate my latest "refi" despite all the continuous questions I had. He accommodates me even on weekends and whenever questions come to mind. I felt at ease dealing with him as he sounded very easy to talk to.

Outstanding customer service by loan officer Kyle Gally. Prompt, professional and immediately responsive to all of our questions. Extremely happy with the rate and less than 3 weeks from the time we applied to funds disbursement. Thank you!

Thank you so much to Anthony "Tony" Valentini for his wonderful service! He helped my husband and I refinance into a VA mortgage which had some pretty good challenges along the way! He made the process pain-free! Thank you again for your wonderful service!

If there were a higher rating than this, Chris Piatchek would be higher than your blue stars! I responded to an ad on impulse. I received 92 calls from different lenders. I tried calling lenders in California, where I live, and found none which I would consider enthusiastic. I do business with people I like.
Having trained many service classes in my old life, I can tell you, Chris is just who your company is fortunate to employ. My loan was complex. Frustrating. Never once was he less than approachable, never rushed. I hope we are friends for ages. He went above and beyond every single day! Thank you Chris! Thank you! You will do my next refi-no one but YOU.

Our experience working with Christopher Piatchek was stellar! He worked tirelessly to help us with our home and, thanks to constant communication, we were always up to date on the progress. Thank you for all your help Chris, we are forever grateful! You are the best!

I am so glad that I found Top Flite Financial Inc, in my search for somebody that will handle my refinancing. I came to the point that I lost my interest in doing it because I end up nothing. When I found Top Flite Financial, and through the help of Chris Piatcheck, who work with me all the way through. He even made an extra effort to secure all the documents needed for this refinancing. The extra steps I am talking about, he went all the way to the Retirement System, who handles my Retirement Records, and he got the documents needed. Thank you Chris you are simply the best. For anyone who is looking for a firm that can help you in your search, I strongly recommend Top Flite Financial Inc, for your refinancing. Thank you Top Flite Financial Inc, thank you Chris Piatcheck, for your professionalism in helping me achieve my goal and it does help me a lot knowing I have now a lower rate for my loan. I know I made the excellent choice. Filemon G. Dizon

Anthony Valentini (Tony) was wonderful. He helped me through the whole process. There were times he went out of his way to make sure I knew what to do ..even on a weekend. He helped me get through all the problems and close the mortgage process. I would recommend Top Flite and especially Anthony.

Brian handled my 1st home purchase. He was AWESOME and had me closed in about 6 weeks! Awesome guys over there that really know what they're doing! He still helps me with any questions that pop up and we've been closed for over a month!

Thanks to Devon Feager for all his help in refinancing our home. We had a V-A loan which took a lot of work and he walked us through the process. In face, we tried to do this last year but ran into a road block that neither of us expected and could not get around. When the V-A changed their requirements this year, Devon reached out of me and asked if I was still interested. Of course, I was. The entire process took just a little over 4 weeks and we are closed. Thanks again Devon. If I know of anyone else wanting to refinance, I will send them to Devon.

One Million Stars!! I just did a refinance with Top Flight. I worked with Andrew Jones. He was absolutely amazing!!! I have already referred him to several friends and family. Andrew is always right on top of everything and jumped thru every single hoop there was to get the job done. I cannot thank Andrew Jones enough. I am every so grateful for his help and expertise. If you need to re-fi or anything, Remember Andrew Jones and Top Flight! Thank you, again, Andrew.!!

Christopher was wonderful. He helped me through the whole process. There were times he went out of his way to make sure I knew what to do ..even on a weekend. He helped me get through all the problems and close the mortgage process. I would recommend Top Flite and especially Christopher.

My husband and I just recently refinanced thru Top Flite. We worked with Richard Staat on our loan, he is the best !!! We had a lot of questions prior to the loan and during the loan process and he always responded quickly with the answers. Our loan was a challenge for him, but he got it closed for us. He will go above and beyond for you, I highly recommend Rick for your loan needs.

I recently refinanced with Top Flite Finacial Inc, and the process as a whole was very smooth! My loan officer, Christopher Michael Piatchek, was easy to get a hold of and was able to answer questions when I had them throughout the process. I would definitely recommend this company to anyone looking for reliability and trustworthiness!!!.
Appreciated all of your help. Christopher Michael Piatchek, you are the Man!!!!!!.

Joshua with Top Flite Financial was extremely responsive to all of my endless questions and trust me I had many! He is very professional and even got back to me after hours for him. I would highly recommend him for any of your mortgage financial needs. Thanks for helping us with our refi Josh!! 🙂

Thank you Todd and Mike H. for all the hard work you both put into getting us our loan. There were times I was ready to give up they kept telling me that they would get it done and they DID !!!! Willie and I are so happy now as this is our retirement home. We would recommend Todd and Mike H at Top Flite Financial as there is none better.

Todd was ever so helpful in helping to complete the refi of my home. I had alot of questions and he had alot of answers. Very nice to be able to communicate with someone one on one like this. Thanks again!

I would like thank Mr. Bill Jones and his staff at Top Flight Financial for handling the refinancing of my home. Everything was easier than I thought it would by going with a VA Financing. I couldn't believe the low interest rate they got me. I would highly recommend Top Flight Financial if you're looking for a Great firm to work with. The employees were a pleasure to work with and very knowledgeable.

Lawrence demystified the entire process; encountering unanticipated obstacles, he worked tirelessly and surpassed our expectations. Kudos! We will be working with him again and I profess the month of November as Lawrence Kavanaugh month.

I want to Thank Ryan Porter and Andrew Hager for all the hard work they have put into working with us in getting our Loan. I would recommend them to anyone needing to refiance. I had many problem with my computer, they were so understanding. Thank you both again. Four Stars

I want to thank Todd at Top Flite Financial with the help of refinancing our home..once I got him all the paperwork that he needed Todd made the process so quick and easy for us it was night and day from our other mortgage company..would like to give him and his team a big thank you for doing a great job and i would highly recommend them to anyone..

Andrew Hager and Todd Feager helped my dad and I close our loan on our home in 19 days, it was so quick and easy! I would absolutely recommend them to anyone! Thanks so much Todd and Andy, you guys are the best!☺️

Top Flight did a great job in lowering my mortgage one whole point saving me about 180.00 per month.They were very patient esp when I thought things were all done!!!
Spent lots of time on the phone walking me through the paper work. They are small but excellent to work with. Get 5 star from us.

Doug Smith and Top Flite Financial helped me with the purchase of my house. Doug was available 7 days a week and made usually a stressful process very quick and easy. I would definitely recommend him to any of my friends. Thank You Doug Smith for all the help.

I want to thank Todd feager and everyone at top flite financial for the prompt and excellent attention to my needs during my V.A refinance, couldn't have been any easier and pain free. Thank you for all your hard work.

We are very pleased with Todd at Top Flite Financial. We closed our loan in 8 days with an exceptional interest rate. We have recommended him to family and friends. Definitely would use him in the future. Lee and Debbie H

Really enjoyed working with Lawrence on our refinance. .he was very helpful and personable. Helped me through the whole process and was honest and trustworthy. Will definitely recommend this company and of course Lawrence to anyone I know who is looking for a home loan.

I may be biased because I know the entire staff but these guys do an excellent job and have a cohesive group of professionals that work harder than any team I have ever seen. You can't go wrong with Top Flite Financial's St. Louis branch!

We just refinanced our home for the second time with Todd at Top Flite. He kept us in the loop during the process and found us a great deal on a 15 year mortgage! We will definitely recommend Top Flite to our friends and family.

I just wrapped up my first home loan, and it couldn't have been a smoother process! Hats off to Todd and Doug for taking all of this stress off of me and simplifying the process. I absolutely recommend using Top Flite for any of your home loan needs! A+ experience!

William Jones and the team at Top Flite Financial are professional, courteous, and efficient. The entire process was streamlined and made as easy as possible. I can wholeheartedly recommend them to anyone with mortgage or re-finance needs.read more

Warren Hutter of Top Flight Financial was wonderful to work with on our recent loan. He is very professional, knowledgeable and responsive. Warren's personality and sense of humor immediately made us feel comfortable working with him. He was very thorough about our loan choices explaining our options but not pressuring us. If we called with questions and had to leave voice mail he would always return our call, even after business hours. We will return to Warren for any future loan needs and are now referring all our friends and family to him. Warren is just exceptional and Top Flight Financial is lucky to have him as part of their team.read more

I want to extend a HUGE THANK YOU to Nicholas Wilson @Top Flite Financial for making my Refinance go as smoothly as possible. As we all know the process can be very stressful, but Nicholas was very professional, detail oriented and had great communicating skills. He was there for us from the beginning to the end. I highly recommend Nicholas Wilson at Top Flite Financial to handle your next Refinance. Top Flite is the BEST company to go with if you plan on Refinancing they have the BEST group on hand to handle all your needs. THANK YOU AGAIN NICOLAS WILSON!read more

Christopher Piatchek was extremely pleasant and timely with communication. He helped me through every step, always kept in touch and available for any questions. I really enjoyed working with him. Very kind and friendly. Easy to work with as well. He is very professional. I would highly recommend him to my friends and family. Thank you very much for everything! God bless 🙏read more

Amie Jones and the whole Top Flight Financial team will go to the moon and back for you. Great experience working with them. They will take a call with you day or night to get you the information you need. They went to bat for us consistently and were able to get us our refinance. Thanks again Amie. 10/10 service.read more

I worked with Monika Datzeva , I would highly recommend her to all my friends , she is the best! she answered all my Questions & of course explained everything.She was great to work with & very helpful , very professional. I wish i could give 13 stars! TOP FLIGHT FINANCIAL #1read more